A full breadth and depth of FINANCIAL SERVICES
We are well-equipped with the knowledge and services to address the financial priorities in your life – from managing and preserving your wealth, to leaving a legacy for your loved ones.
MANAGING YOUR WEALTH
Our team offers comprehensive wealth management services designed to go far beyond just typical investment management to address every essential matter that money touches. It’s all in an effort to best serve you and your family, today and for every significant milestone along life’s journey.
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In today’s often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. By utilizing our own investment philosophies, asset allocation strategies and techniques together with those of carefully selected equity and fixed-income money managers, our goal is to provide you with an institutional-quality portfolio that is right for you.
There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation does not guarantee a profit nor protect against losses
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Our objectives are to preserve and grow your wealth, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.
Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
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Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We will assist you with longevity planning, required minimum distributions, income planning, tax strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.
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Through Raymond James, we offer personal lines of credit*, investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments such as brokered certificates of deposit, and cash sweep options.
*The personal line of credit is through a margin account, which may not be suitable for all investors. Banking and lending solutions provided by Raymond James Bank, N.A. Raymond James & Associates, Inc. is affiliated with Raymond James Bank, N.A., a federally chartered national bank. Unless otherwise specified, products purchased from or held at Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.
PRESERVING YOUR WEALTH
Preserving your assets and managing risk take on added precedence when you’ve reached a certain level of wealth. Maintaining your standard of living, providing for your family, generating income with minimal tax consequences, and safeguarding your wealth against unexpected events are concerns that we address for you – so you can focus on enjoying your life.
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Choosing the appropriate mix of asset classes can potentially reduce portfolio volatility. We make asset allocation a key component of our investment strategy, selecting a mix of asset classes that reflects your financial objectives, timeline and risk tolerance.
There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of capital. Asset allocation does not guarantee a profit or protect against a loss.
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Family wealth can be concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many options available beyond simply selling the stock. Although mitigating the risk of a concentrated equity position can be complicated, we can provide a variety of strategies that can hedge, monetize, diversify or transfer the position while managing the tax implications.
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Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives, including life insurance and long-term care insurance. They can offer an important layer of safety for you, your family or your business.
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We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to transfer to your heirs.
While we are familiar with the tax provisions of the issues presented herein, as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
BUILDING YOUR LEGACY
The wisest of people understand the impact of making their mark and making a difference. We can help you do just that. By collaborating with your tax and legal professionals, we can help develop a plan that enables you to maintain your lifestyle now while leaving a meaningful legacy tomorrow.
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Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.
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Giving cannot only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.
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Through our affiliate, Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, provide for loved ones, or dictate how you want your wishes to be carried out, we can help.
Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.
* Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided. Diversification and asset allocation do not ensure a profit or protect against a loss.
Raymond James does not provide tax or accounting services.
